Research On Risk Control Of Small And Medium-sized Enterprises Loan Of Commercial Banks

In current our country social economy rapid development,in this case,the enterprise also got great development,the enterprise also to the national economy has made important contributions to the development of small and medium-sized enterprises accounted for more than,on our country's social and economic development also played a role,it is not allow to ignore,it also makes governments to improve the importance of small and medium-sized enterprises,the current number of small and medium-sized enterprises(smes)in constant growth,promoted the increase of gross domestic product(GDP);In addition,small and medium-sized enterprises play an important role in regulating the market and activating the market economy.Relevant industries have made statistics,the results show that in the number of domestic enterprises,small and medium-sized enterprises account for a high proportion,the proportion has reached 97 percent,their rapid development has also made the domestic tax revenue has been greatly improved,effectively solve some employment problems,for urban personnel to provide a lot of jobs.But,overall,China's small and medium-sized enterprises(smes)is common in developing a problem,it embodies in less financing scale,that each country's commercial Banks have positive development for small and medium-sized enterprise credit business,has more economic scholars believe that the financing ways and methods for small and medium-sized enterprise's survival and development is critical.So,in this case,how to effectively use of small and medium-sized enterprise financing,promote the development of them is very important,it is not only related to small and medium-sized enterprise own survival and development,also relates to China's economic and social development,can promote the development of the market,has a positive influence on the improvement of the livelihood of the people,can promote the innovation and development,and establish a market competition,the diversification of economic environment.This paper first introduces the concept of small and medium-sized enterprises and commercial Banks,and describes the current commercial bank loan risk control methods and the characteristics of small and medium-sized enterprise credit and risk types,to provide a theoretical basis for the full text of the study.Then on this basis,through the analysis of the actual situation of China merchants bank small and medium-sized enterprise loan business development,put forward the current problems.In view of these problems,combined with the actual situation,put forward targeted solutions,such as enhancing the application of big data,the state taxation system open to commercial banks,optimize the approval process.This will not only fundamentally promote the effective improvement of risk management of smes' credit business,but also effectively avoid and control risks and provide effective guarantee for the improvement of comprehensive competitiveness of commercial Banks.